The document provides three steps to financial success: 1) save, 2) invest, and 3) protect. It emphasizes the importance of insurance, pension planning, and passive income through leveraging other people's money and time in investments like real estate, stocks, and mutual funds. The expert's technique is to manage a portfolio of businesses by focusing on management, financial, and market tenets. The key is to develop a flexible financial plan that provides protection and minimizes taxes while accounting for emergencies, risks, dreams, and milestones.

1. Three Power Steps to Financial Success COGNIZANT TECHLOGY SOLUTIONS | 28SEPTEMBER 2007 SAVE INVEST PROTECT

2. We are Here Fundamentals of Financial Planning – 1 Fundamentals of Financial Planning – 2 Income Tax Management The Way Forward

3. Risk Management

4. Ten s – Why People Buy Insurance?* I want to save tax I want to save/invest My agent asked (forced) me to buy this policy I want to plan for my retirement I want to provide security for my children for their education My Bank asked to purchase insurance policy My Uncle / Aunt recommended to buy insurance My friends told me to buy insurance My parents told me to buy insurance I want to cover my life risk Only the last one should be the to buy INSURANCE. * Narendra K N, Procyon Financial Planners

5. Life Insurance, Health, House Insurance Life Insurance Comes Cheap!!! Rs.60 Lakhs of Term Life Insurance cost only Rs.20,000/ per year for a 34 year old male. Compare this with a new Ford Icon of value about Rs.6 Lakhs requiring the same premium

6. Cover your Health / House The same way… Remember you may not have spent, on day to day ailments since birth Rs.10,000/, if you are an average Indian.

7. Cover your Health… Compare this with ICUs in leading hospitals in Coimbatore which may cost you as much as Rs.5000/ per day. It would cost only about Rs.1500/ per year for a 34 Year old to get Rs.1,00,000 worth of Health Cover.

8. House Protected It cost only Rs.1,200/ to insure a House of Value Rs.20,00,000/ For Burglary protection for Rs.2,00,000/ just add Rs.200/ to the above.

9. Pension Planning Enjoy don’t Endure Retirement Start Early – As early as your first salary Its not late even if you missed your early years. Pension Planner

10. Using OPM and OPT… Building Passive Income is the KEY Passive Income comes by leveraging – Other People’s Money and Other People’s Time Leveraging – for the Salaried Rent – from Commercial and Residential Buildings Shares – Capital Gain & Dividends Mutual Funds Copy Rights and Patents

11. …Using OPM and OPT Leveraging– for the Salaried (continued) Options and Stock Trading Real Estate Trading – That’s what brokers do in India By taking a Good Loan – The returns has to be more than the EMI from month one Join a Researched MLM Chain Understand that money is NEVER an issue IF the deal is right the money will come. Simply think creatively, go to the source of funds and simply ask for money. The worst that can happen is you get a “NO". Each only places you closer to a "YES". John Michael

12. Typical Human Behaviour – Procrastination Quit smoking. Floss. Clean the attic. Comply with prescriptions Cut back credit card spending. Join retirement savings plan.

13. Typical Human Behaviour – Fear of the Unknown Ask Questions Appearing stupid for a minute is better than being an idiot for life. Form your own opinion Even experts are prone to errors – David Dreman Address personal issues before making investment decisions – Peter Lynch Invest in something you know and understand – Peter Lynch

14. The Expert’s Technique Warren Buffet – Started with $50,000 as loan. Now worth > $50 Billion Turn off the Stock Market Don’t Worry About the Economy Buy a Business, not a Stock Business tenets Management tenets Financial tenets Market tenets Manage a Portfolio of Business

15. Develop a Plan of Action Flexibility The ability for your plan to change as your situations or goals change. Liquidity Your ability to convert noncash assets into cash with relative ease and speed.

16. Step 3: Develop a Plan (cont’d) Protection -- Your ability to meet the unexpected large expenses without destroying your plan. Minimization of Taxes -- Your ability to pay as little as possible to the Tax Man.

17. Things to Plan For Milestones – Investment & Insurance Emergency Fund – Cash Required Factor in Your Risk Profile

18. Dreams Becoming Reality The Development of the Human Race is because the Dreamers amongst us have made their Dreams Reality Man on the Moon First Man on Everest Under a Minute Mile Ability to Fly Designing an Electric Bulb A petrol pump attender becoming the richest man in India. The difference between a Dream and Reality is the DECISION TO WORK FOR THE DREAM.

19. Your Reality Make your Decision We are there to give you shoulders and the expertise Best wishes

20. J. Karthikeyan Director – Operations Finerva Financial Solutions Private Limited Finerva house, 176, Second street Gandhipuram, Coimbatore – 12 Contact details Email: karthij@finerva.com | support@finerva.com Phone: 98942 57406, 0422 6505344 | 435 6655 Global address: www.finerva.com